Written by John Kruse, one of the leading experts on Bailiff Law, this consumer friendly guide is essential reading for anyone who comes into contact with a bailiff.
The book is easy to understand and clearly explains the rights
a bailiff has, and also what they cannot do when collecting debts and repossessing goods etc.
I bought a Renault Laguna from Renault UK, finance by Lombard Vehicle Management, in November 2002. The term was four years, with a return date of December 8th 2006. However, two days prior to this date (and despite regular servicing in accordance with Renault guidelines) the engine seized. I had done 90,000 miles, 30,000 in excess of the agreement, but was willing to pay the additional £800.
Renault could not explain why this had happened and could only advise me that the engine needed replacing. With it impossible to do this inside two days, I had to agree with Lombard to agree to pay the residual payment on the car (£5046). I also had to pay for a reconditioned engine and costs of installation (Renault's quoted price was out of my price range - and worth more than the car). I haven't paid Lombard a penny yet (largely because they've not invoiced or called me asking for payment). Can anyone advise me of what options I have?
I will say that Renault engines are *usually* reliable, and have been known to last longer than the rest of the car - especially with older 70's and 80's Renault bodies that were extremely rust-prone. 90k miles is very early for a complete seize-up in a regularly-serviced engine.
However, I don't know anything about vehicle finance, so I can't directly help you figure out who should be responsible for the seized engine. I would read your agreements carefully, looking for warranty terms.
Car Engine Failiure
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